Is health insurance mandatory for non-EU students in Spain?
Yes. Health insurance is mandatory for all non-EU students studying in Spain. You must have valid medical coverage before applying for a Spanish student visa. Without proof of insurance, your visa application will not be accepted.
Why Health Insurance Is Required
Spain requires health insurance to ensure students have access to:
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Medical treatment during illness
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Hospital care
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Emergency services
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Necessary medications
The rule also protects public health services and ensures students can support themselves without financial risk.
What Type of Insurance Do You Need?
1. Private Health Insurance (Most Common)
Non-EU students usually purchase private insurance that meets Spanish visa requirements.
The insurance must:
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Cover the entire duration of your stay
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Include medical, hospital, and emergency care
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Have no co-payments and no waiting periods
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Offer coverage equal to Spain’s public health system
Many Spanish insurance companies offer student packages specifically for visa applicants.
2. Public Health Insurance (For Long-Term Students)
Students staying longer than one year may be allowed to join Spain’s public healthcare system after receiving a residence card.
However, this is not accepted at the visa stage, so private insurance is still required when applying from abroad.
3. Travel Insurance (Not Accepted for the Visa)
Short-term travel insurance cannot replace full health insurance for the student visa. It may be used temporarily for the first days of travel, but it does not meet the legal requirements for studying in Spain.
How to Provide Proof of Insurance
When applying for your student visa, you must submit:
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A policy certificate
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Proof of full coverage
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Confirmation that the plan includes no deductibles or waiting periods
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The full duration of coverage (e.g., one academic year)
Keep printed copies for immigration checks at the airport and for your residence permit.
When Should You Buy Insurance?
You should purchase health insurance before submitting your visa application.
It is recommended to buy coverage for at least:
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One academic year, or
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The full duration of your program if required
How Much Does Student Health Insurance Cost in Spain?
Costs vary depending on the provider and coverage, but most students pay:
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Approximately €300–€700 per year for private medical insurance
Policies with wider coverage or additional services may cost more.
Tips for Choosing the Right Policy
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Make sure the policy clearly states: no co-payments, no deductibles, and no waiting periods.
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Choose insurance that covers the full period listed on your visa.
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Compare providers that specialise in international student insurance.
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Keep digital and printed copies of your policy with you.
Final Thoughts
Health insurance is a strict requirement for all non-EU students studying in Spain. The insurance must be purchased before applying for the student visa and must provide full medical, hospital, and emergency coverage. Preparing this early ensures a smooth visa process and protects you throughout your studies in Spain.
